Our new Mobile App is now available!

The App name if using Apple is MichColFCU and can be found in the app store. If using an Android search for Michigan Columbus FCU in the Google Play Store

To use the Mobile App you must login to the Online Banking first

Michigan Columbus Federal Credit Union Go to main content search button

Our Service Charges

Loan Rates | Share and Certificate Rates

Cashiers checks (Counter Check) $ 2.00 each
Corporate checks per check $ 2.00
Account closure fee collection $31.00
Statement copies (each statement) $  3.00 
Check Returned -Deposit or loan payment $ 20.00
Mailing of phone receipt $  1.00
Research fee per hour $35.00
Deposit verification $20.00
Account  printout (per page) $  1.00 a page
Outgoing wire transfers $32.00
Outgoing foreign wire transfers $50.00
Close IRA $25.00
Non- Member cashing a check drawn on MCFCU $10.00
Check/ACH by phone- Must have authorization on file to process this request $10.00
Coin processing fee  5% of coin, no less than $5.00 per processing
Monthly Checking FREE
Non-sufficient funds (NSF) $31.00
Stop payments $30.00
Transfer to cover overdraft on checking from savings or loan  $  1.00 each after 4 per month
Check or Receipt copy (each) $  5.00
Reconcilement of Account - per hour $35.00
Return ACH (NSF) $31.00
Close Account fee within 6 months $10.00
Courtesy pay fee $31.00
Courtesy pay reinstatement fee $31.00
   No minimum balance for our checking account.  No monthly service charge.   
Reissue of Plastic card - first time free $  5.00
Reissue of PIN number $  5.00
Overdraw due to ATM transactions $31.00
ATM withdrawal-non member $  3.50
ATM balance inquiry-non member $  3.50
Replace Lost/Stolen VISA - first time free $ 5.00
Visa Pin replacement $20.00
Late charges after 5 days past due 20% of interest due minimum $35.00 
Copy of sales draft $ 8.00
Pay by phone $10.00
Undeliverable mailing or email address fee                                                                                          $5.00 per month
Copy of receipt/check/transaction $3.00 each
4th withdrawal from Max/High Yield account
(per month)
$2.00 each after 4
withdrawals per month
Dormant fee (inactive 12 months) $5.00 per month
Photo copies/Fax / Receipt mailing (per item) $1.00
Close IRA account $25.00
Legal Processing $50.00
VISA Gift Card ($10.00 minimum up to $1000.00 maximum) $  5.00
Overdrawn Closure Fee $31.00
Skip a Pay $30.00 per month
Account closed within 6 months $10.00
Account re-open in 90 days $25.00
Escheat accounts $50.00
Mortgage Modification Minimum/  Mortgage Subordination Minimum $2,350        /    $750.00
Loan Modification Fee $40.00
Share draft convert to check for Non-Members


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